Mortgage broker podcasts / Hosted by mortgage brokers

Homeowner AF: The Canadian First Time Homebuying Podcast

Brianna Goslin · Muskoka, ON

Weekly show for first-time buyers in Ontario and across Canada covering pre-approvals, closing costs, down payment savings, credit scores, rates and home insurance.

Status: active · Brianna Goslin Mortgages

Episodes

Nov 3, 202616 min
Variable Vs. Adjustable Rate Mortgages in Canada: Which Is Right for You?
Not all variable rate mortgages in Canada work the same way, and understanding the difference could have a major impact on your monthly budget and long-term homeownership goals. In today's episode of Homeowner AF, I break down the two types of variable rate mortgages available to Canadian homebuyers, how they respond to Bank of Canada interest rate changes, and what you need to know before choosing one. Listen in to better understand your mortgage options and make informed decisions as you mo...
Oct 27, 202610 min
Navigating HELOCs: The Wealth Within Your Walls, Part 3
In today’s episode, I’m wrapping up the third instalment of my Wealth Within Your Walls series by talking all about Home Equity Lines of Credit (HELOCs). HELOCs are one of the most popular ways Canadians can tap into their hard-earned equity, but they’re not always an option for first-time home buyers, and I’ll be explaining why. Whether you’re currently buying your first home in Ontario or creating a homeownership game plan for the future, this episode will equip you with the knowledge you n...
Oct 20, 202613 min
Tapping In With a Refinance: The Wealth Within Your Walls, Part 2
Welcome back to Homeowner AF! This is the second installment in my Wealth Within Your Walls series, and today we’re talking about refinancing your mortgage: what it is, why people do it, and what you need to consider if it’s part of your financial plan as a homeowner. I’m chatting with a lot of Canadian homeowners right now who are carrying unsecured debt, so if that sounds like you, stay tuned! Here’s what I cover: The difference between a refinance and a mortgage switch, and why a switch mi...
Oct 13, 202614 min
Understanding Your Home Equity: The Wealth Within Your Walls, Part 1
Your home isn’t just where you live, it can also be one of your biggest wealth-building tools. Today on Homeowner AF, I’m kicking off my Wealth Within Your Walls series by breaking down home equity, what it actually means, how it grows, and why it can become such an important part of your financial picture as a Canadian homeowner. I’m also sharing why understanding equity matters before you purchase your first home, especially if you want the flexibility to access that wealth in the future. H...
Oct 6, 202610 min
Homebuyer's Plan vs. FHSA: Which One Is Right for Me?
Your down payment may not have to come entirely from your regular savings. In this episode, I explain how the Home Buyers’ Plan (HBP) and First Home Savings Account (FHSA) can help eligible first-time home buyers in Canada access and build funds for a home purchase. I walk you through the rules you need to understand before incorporating either program into your strategy, so you can set yourself up for the best case scenario when you're ready to buy. Here’s what you’ll learn: Who qualifies as...
Sep 29, 202610 min
Lowest vs. Best Mortgage Rate: Why Your Neighbour's Rate Doesn't Matter
Today on Homeowner AF, I’m answering one of the biggest questions I hear from Canadian homebuyers and homeowners: how do I get the lowest mortgage interest rate? Whether you’re purchasing your first home, renewing your mortgage, or refinancing, I’m breaking down why comparing rates to everyone in your community Facebook groups might not actually help you find the mortgage that saves you the most money. Keep listening to learn: Why comparing mortgage rates with others can be misleading when bo...
Sep 22, 202613 min
Buying a Home in Ontario in the Next 6 Months? 4 Things I Would Do To Stay Mortgage Ready
Today on Homeowner AF, I share the practical steps I would take if I was buying in the next six months. If you’re currently planning to purchase your first home in Ontario, getting pre-approved is just the beginning. Listen in as I go over the steps you can start taking now so you can stay mortgage ready and be prepared to act fast when the right property comes along. Here’s what I get into: Why I want you to keep saving after your pre-approval and down payment are in place, including buildin...
Sep 15, 202616 min
Can First-Time Homebuyers Still Buy a House in Ontario? What the 2026 Data Reveals
Today on Homeowner AF, I dig into Teranet’s Q2 2026 Market Insight Report and what the latest Ontario housing data actually tells us about Canadian first-time homebuyers. Heads up: the numbers may challenge some of the headlines you’ve been hearing. First-time buyers are making up a growing share of Ontario’s non-condo market and today, we’ll be looking at where they’re buying, what they’re buying, and how you can use this information to build a smarter homeownership strategy around your own ...
Sep 8, 202612 min
Don't Overcomplicate It! How to Get Started As a First-Time Canadian Homebuyer in 2026
If buying your first home is on your radar but you’re not sure where to start, this episode is for you. Today, I break down the practical steps you can take right now to strengthen your finances, start building your down payment, and position yourself for a future mortgage pre-approval. Every first-time home buyer has a different starting point. You might already have savings and great credit, or you might be years away from purchasing and wondering where to begin. The important thing is havi...
Sep 1, 202613 min
3 Things I Wish I Knew Before Buying My First Home in Ontario
Today on Homeowner AF, I share the things I wish I avoided as a first-time home buyer in Ontario. I purchased my first home in Oshawa in 2015 with my then-boyfriend, now husband, with a plan to build equity and use our starter home as a stepping stone toward our long-term goals. Looking back, there are a few conversations and decisions that could have made the process a lot less stressful. If you’re currently house hunting in Ontario as a first-time homebuyer, listen in to the lessons I learn...
Aug 25, 202610 min
The #1 Thing Killing Deals Right Now Is Good News for First-Time Homebuyers
Today on Homeowner AF, I’m breaking down a shift in the Ontario housing market that could create a real opportunity for first-time home buyers heading into fall 2026. While some buyers are running into challenges getting their deals across the finish line, first-time buyers may have an advantage simply because they have fewer moving parts. In this episode, I cover: Why are some home purchases falling through in Ontario right now, and what does it have to do with existing homeowner who are buy...
Aug 18, 202613 min
5 “Stupid Questions” First-Time Homebuyers Might Be Afraid to Ask
Today on Homeowner AF, we’re breaking down parts of the mortgage and home buying process that you may not have been taught. There are no stupid questions when it comes to understanding mortgages, so I’m answering five of the most common ones I hear from first-time home buyers in Ontario. Tune in to get clearer on the process and feel more prepared for your home buying journey. In this episode, I answer: Where does my deposit actually go after my offer is accepted, and does it count toward my ...
Aug 11, 202614 min
Should I Take on a Longer Mortgage for Lower Payments? 25 vs. 30-Year Amortization for First-Time Home Buyers
If you’re a first-time home buyer in Ontario trying to decide between a 25-year and 30-year amortization, this episode will help you understand what that choice actually means for your mortgage, monthly cash flow, and long-term homeownership goals. Today, I’m breaking down the pros and cons of a 30-year amortization, why it can improve affordability and borrowing power, and how you can still build a strategy to pay your mortgage off faster. In this episode, I cover: How the 30-year amortizati...
Aug 4, 20269 min
The Mortgage "Stress Test" Explained: Everything Ontario First-Time Home Buyers Need to Know
Today on Homeowner AF, I’m breaking down the Canadian mortgage "stress test", including what it is, why it was introduced, and how it affects your borrowing power. I’ll also share my honest perspective on whether this qualification rule helps or hurts first-time home buyers in Ontario. Stay tuned to hear: How the mortgage stress test fits into your mortgage pre-approvalThe qualifying rate lenders use and how your contract interest rate can change the calculationHow the stress test can reduce ...
Jul 28, 202610 min
Declined by the Bank? Reasons You Could Still Get Approved for a Mortgage in Ontario
Have you been turned down for a mortgage by your bank? Today on Homeowner AF, I share why a mortgage decline doesn't necessarily mean your homeownership journey is over. I walk you through the differences between working with a bank mortgage specialist and an independent mortgage agent, why lending decisions can vary, and how the right strategy can open doors that you may not have realized were available. If you're a first-time home buyer in Ontario who's been told "no," this episode will hel...
Jul 21, 202610 min
Is Now the Right Time to Buy a Home in Ontario? What Canadian Home Buyers in 2026 Need to Consider
Everyone wants to know if now is the right time to buy. This is one of the most frequently asked questions I get as a mortgage broker and my answer might surprise you. In today’s episode, you’ll hear why the answer has less to do with the current market and more to do with your personal financial situation. I’ll be sharing the framework I use to help first time home buyers in Ontario cut through headlines and determine their personal readiness. If you’re thinking about buying, you'll leave th...
Jul 14, 202610 min
What's Included in My Mortgage Payment? How to Save Thousands as a First Time Home Buyer in Ontario
The way you set up your mortgage payment can have a bigger impact than you might think. Today on Homeowner AF, I break down what’s actually included in your mortgage payment, including the different payment options available to first-time home buyers in Ontario. Tune in to learn how the right mortgage payment strategy can save you thousands and accelerate your path to building equity. In this episode, you'll learn: Why your mortgage payment frequency matters and how accelerated bi-weekl...
Jul 7, 202614 min
Fixed vs. Variable: Which Mortgage Rate Is Right for Me?
Choosing between a fixed and variable mortgage is one of the biggest financial decisions you'll make as a first-time home buyer, and it's about more than just getting the lowest rate. Today on the podcast, I break down how each option works, what it could mean for your budget, and how to choose the best fit for your long-term goals and changing interest rates. As always, my goal is to help you understand your options so you can make a confident decision that supports your homeownership journe...
Jun 30, 20268 min
3 Ways Flexible Homebuyers Are Winning in Today's Market
Today on Homeowner AF, I walk through three real-life examples that have successfully made my clients Ontario homeowners in 2026. If you’re feeling as though your budget just isn’t enough, this episode will help you navigate your mortgage qualification and today’s rising home prices. You may need to rethink your buying strategy, but in the end, these steps could open up homebuying opportunities that were previously out of reach. Here’s what I cover: Real examples of how buyers are making smar...
Jun 23, 202611 min
How To Plan Your Purchase Price: A Guide to Building Long-Term Financial Wealth as a First-Time Homeowner in Ontario
Just because a lender says you can spend a certain amount on a home, does that mean you actually should? Today on Homeowner AF, I’m breaking down how to plan your home purchase price as a first-time home buyer in Ontario, and why your pre-approval amount should never be the only number guiding your decision. We dive into what lenders look at, what they don’t look at, and how to build a purchase plan that supports your long-term homeownership goals without stretching your monthly budget too th...
Jun 16, 202611 min
How Does My Debt Affect My Application? A First-Time Home Buyer's Guide to Mortgage Qualification in Ontario
With rising living costs and more Canadians carrying balances on credit cards, student loans, and lines of credit, understanding how debt impacts your ability to buy a home has never been more important. Today on the podcast, I break down exactly how debt affects your mortgage qualification and what every first-time home buyer in Ontario needs to know before applying for a mortgage. In this episode, I cover: How lenders assess credit cards, lines of credit, loans, and other liabilities ...
Jun 9, 202610 min
What Happens At My First Mortgage Renewal? Why Strategizing Before You Sign Can Help Build Long-Term Wealth
Have you ever thought about how much money you might be leaving on the table at your mortgage renewal? Most Canadians simply sign on the dotted line without realizing that this is the perfect moment to reassess, save, and take greater control of their financial future. Today on Homeowner AF, I break down exactly how to turn your mortgage renewal into an opportunity to set yourself up for long-term wealth without unnecessary stress or hidden fees. In this episode, I cover: How to lock in the b...
Jun 2, 202615 min
Cosigners and Guarantors: What You Need to Know About Getting Help Qualifying For a Mortgage in 2026
Today on the podcast, I answer one of the most common questions I hear from first-time home buyers in Ontario: what is the difference between a cosigner and a guarantor? We dive into when each option makes sense, what lenders look for, and the important considerations you need to understand before asking someone to help you qualify for a mortgage. In this episode, I cover: • The key differences between a cosigner and a guarantor and how each impacts your mortgage application • Why lenders may...
May 26, 20269 min
Can I Buy A House Alone? Purchasing As A Single Home Buyer in Ontario
Today on Homeowner AF, I tackle one of my biggest frustrations as a mortgage professional: the misconception that single Canadians cannot buy a home. I break down strategies for single first-time homebuyers in Ontario and the support available to make homeownership achievable. Tune in to feel empowered, informed, and ready to take your next step toward owning your first home in Ontario. In this episode, I cover: How single-income applicants can navigate the mortgage process and prepare financ...
May 19, 202611 min
What Happens After an Accepted Offer? Mortgage Conditions, Deposits and Closing Steps for First-Time Home Buyers in Ontario
Today on Homeowner AF, I’m breaking down what exactly happens after your offer is accepted on a home in Ontario. Most first-time home buyers think the hard part is over once the seller says yes, but the truth is, some of the most important steps are only just beginning. If you’re buying your first home in Ontario, an understanding of this stage can save you stress and surprises. In this episode, I cover: What happens during the critical 5 to 10 business day conditional period The t...
May 12, 202610 min
Let’s Talk About Gifted Downpayments: What First-Time Home Buyers in Ontario Need to Know
Welcome back to Homeowner AF! Today on the podcast, I'm breaking down how gifted down payments work for first time home buyers in Canada and what you need to know before using gifted funds toward your home purchase. I also share advice for buyers who are saving without family support and explain why having a strategic homeownership plan can still move you closer to buying your first home in Canada. Whatever your situation, I'm here to get you closer to your goal! In this episode, I cove...
May 5, 202610 min
What NOT To Do When You're Pre-Approved
Many people assume that once they’re pre-approved, everything is set. Today on Homeowner AF, I’m sharing why this is a myth and exactly what you should avoid doing after receiving your mortgage pre-approval. If you’re a first time homebuyer, you’re going to want to listen in so you can avoid these common mistakes. In this episode, I cover: The three key factors your pre-approval is based on and the importance of not making any changes to themWhy co-signing any loan can potentially nulli...
Apr 28, 20269 min
I'm Pre-approved, Now What? Next Steps for First Time Home Buyers
Today on the podcast, I walk you through exactly what happens after you’ve been pre-approved and how to confidently move forward in your home buying journey. We dive into the practical next steps every first time home buyer in Ontario needs to take to turn that pre-approval into a successful home purchase. In this episode, I cover: How to choose the right realtor and why finding someone who aligns with you is key to your homeownership experienceWhy you need to send me MLS listings before maki...
Apr 21, 202614 min
What Are Closing Costs in Canada and Why Are They So Expensive? Full Breakdown for Ontario First Time Home Buyers
Today on the podcast, I am breaking down closing costs for first time home buyers in Ontario and why they are one of the most overlooked parts of the home buying process. I walk you through what you actually need saved beyond your down payment, and how to prepare for these costs so you can step into homeownership with confidence. In this episode, I cover: What closing costs are and why they can range from 1.5% up to 4–6% of your purchase price in OntarioLegal fees explained, what your real es...
Apr 21, 202616 min
What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained
Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market. In this episode, I cover: What a mortgage pre-approval is and how it determines your...
Apr 21, 202611 min
Do You Really Need 20% Down? The Truth About Minimum Down Payment, Insured Mortgages and Buying Sooner
Today on the podcast, I am clearing up one of the biggest myths in Canadian real estate: that every first time home buyer needs 20% down. I break down what the minimum down payment actually looks like in Ontario, how CMHC insurance works, and how to decide whether buying sooner or waiting aligns better with your homeownership and wealth building goals. In this episode, I cover: Minimum down payment rules in Canada: 5%, 10% and how it’s calculatedWhat an insured mortgage is and how CMHC, Sagen...
Apr 21, 202610 min
First Time Home Buyer Incentives in Ontario and What Qualifies You in 2026
Welcome back to Homeowner AF: The Canadian First Time Homebuying Podcast, with your host Brianna Goslin! I am excited to be back after a long break, and we are diving straight into what has changed for the first time home buyer in Ontario. I break down who actually qualifies as a first time home buyer in 2026 and how to position yourself properly for homeownership in today’s Canadian real estate market. In this episode, I cover: Key market shifts since 2024, including interest rate trends, cr...
Dec 9, 202411 min
Unlocking the FHSA with Scott McEachern
In this episode of Homeowner AF, I sit down with Scott McEachern, a Certified Financial Planner based in Barrie, Ontario. Scott specializes in helping families make smart financial decisions, from securing the right life insurance to planning for their biggest financial goals like becoming debt-free, saving for their kids’ education, or buying their first home. Together, we dive into the First Home Savings Account (FHSA) — a game-changing tool for first-time homebuyers in Canada. What Y...
Sep 20, 202410 min
Bonus Episode: New Mortgage Regulations for First Time Buyers
Brianna is back with timely information for Canadian First Time Homebuyers: Coming into effect December 14, 2024, first-time buyers in Canada will have access to 30-year amortizations on insured mortgages. Also released were details about the insured mortgage cap which is now $1.5 MM compared to the previous $1MM maximum purchase price. Listen in to find out what these new regulations mean for you as a borrower and what to keep in mind if you are hoping to take advantage of these new op...
Apr 3, 20246 min
Is Credit Utilization Killing Your Mortgage Application?
Are you making the minimum payments on time, on all your debts, but still seeing your credit score decline? You might be using too much credit. In today's episode, Brianna talks about credit utilization. She discusses: Credit utilization: What it isHow it's measuredWhat to do if your credit utilization is too highResources: More about credit utilization: https://www.equifax.com/personal/education/debt-management/articles/-/learn/credit-utilization-ratio/ Join Brianna's Email List for Ex...
Mar 27, 202421 min
Timing The Market With Alex Mohr
In this week's episode, Brianna and Alex, a fellow mortgage agent, chat about timely topics affecting mortgage holders and homebuyers in the Spring of 2024. Connect with Alex Instagram @Alex_MohrIf you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you! Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgage...
Mar 20, 20249 min
Boutique Service at No Cost To You: How to Get Your Best Rate This Spring
In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore: Why a mortgage agent is essential for your credit: Understand the pivotal role of a mortgage agent in safeguarding and optimizing your credit score.The value of post-close support: Delve into the importance of access to support post-close and beyond for first-time homebuyers, and how a mortgage agent provides ongoing assist...
Mar 13, 20246 min
How Much Cash Do I Need To Close?
Congratulations! You've saved your downpayment, and you're ready to buy... but how much more cash will you need to close on your first home purchase? Listen in to learn: How to determine your minimum downpayment amountHow to calculate your closing costsHow much cash you need to close your first purchase Resources: Check out this minimum downpayment calculator: https://www.ratehub.ca/mortgage-down-payment Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagosl...
Mar 6, 202413 min
Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024?
Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains: how the fixed interest rate is determinedhow the variable interest rate is determinedpros and cons of each mortgage productPLUS Which mortgage product first time homebuyers are choosing most often in March 2024.Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free...
Feb 28, 20248 min
How To Plan Your Purchase Price
Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more. Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/m...
Feb 21, 20249 min
3 Strategies My First Time Homebuyer Clients Used in 2023
2023 was a rough year for first-time home buyers, yet most of my clients were first-time buyers! Curious about how they did it? My buyers leveraged: Gifted DownpaymentThe Canadian Homebuyer's Plan and The First Home Savings AccountCosigners and GuarantorsJoin Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: ht...
Feb 14, 20248 min
Offer Accepted! Now What?
You've gone house hunting, you've found " The One", you've submitted your offer and finally, OFFER ACCEPTED! But what's next? Listen in to learn: What happens before fulfilling the condition of financingWhat a lender is looking at during the condition of financingWhy you may still need to submit documents to your mortgage professional at this timeHow much you should save for closing costsJoin Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages....
Feb 7, 20249 min
Falling Interest Rates and Multiple Offers: Why you STILL Need a Pre-Approval in the Spring 2024 Market
In this timely episode, Brianna talks about the role of proper pre-approval in the first homebuying process as it pertains to the Spring 2023 market. Listen in to learn: What's going on in the Real Estate Market right nowThe offer processHow to prepare for a multiple-offer situationHow Brianna works with First Time Homebuyers, (AND gives them a competitive edge in multiple offer situations)Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk....
Jan 31, 202422 min
House Hacking, Homebuying in Sudbury and Ten Dollar Building Lots with Emily Cerilli
Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat: The Sudbury, Ontario market and the opportunities that exist in the Northern communityHOUSE HACKING: What it is, and why you should explore this opportunity to add income to your mortgage application and get into the market quicker. Cochrane’s $10.00 building lot offering First-time homebuyer mindsetConnect with Emily on Instagram @sudburyrealtor.emily Join Brianna's Email List for Exclusive Updates: Sign up here: http...
Jan 24, 202426 min
Husmates and Co-Ownership with Lesli Gaynor and Parimal Gosai
Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat: the benefits of co-ownership and the diverse opportunities that open up with this model of homebuyinghow it works and where to startWhat’s next for Husmates and what we need now in Canada to promote more affordable housing Check out Husmates: https://www.husmates.com/ Connect with Parimal @parimalgosai on Instagram Connect with Lesli @gaynorlesli on Instagram Specific Questions? Ready to g...
Jan 17, 202421 min
Accelerating The Transfer of Generational Wealth: Reverse Mortgage for Downpayment
Suzy Fernandes-Arruda, BDM at Home Equity Bank (Home of the CHIP Reverse Mortgage), chats with Brianna about reverse mortgages, myths and false impressions, and how to accelerate your home ownership journey with a little help. Learn more about CHIP Reverse Mortgage here: https://www.chip.ca/ Check out the Reverse Mortgage Calculator here: https://www.chip.ca/reverse-mortgage-calculators/ Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my...
Jan 9, 202430 min
Data, Sentiment and EQUITY, Oh my! A conversation with Nicole Montgomery, Durham Region @raddestrealtor
Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for: Nicole’s home ownership storyWhy you should be tracking BOTH data and consumer sentiment while preparing for a first home purchaseWhich numbers actually matter to first-time buyersSetting realistic expectations for a home purchaseEQUITY: What it is, Why it matters, and how you can leverage it in the futureConnect with Nicole @rad...
Jan 2, 202426 min
Seif El-Sahly: Garage Conversions, First Time Buyers, Landlord Struggles and Setting Yourself Up For Success
Seif El-Sahly drops by Homeowner AF to talk about how his company, Newfore Inc., is helping homeowners leverage their existing properties to: create more housing units in our most populated Ontario cities generate income for their financial goals (you may be surprised at just how much!)support mutli-generational livingStick around for Seif’s insights and preditictions about the future of building and buying in Canada, how to set yourself up for success as a first time home bu...
Dec 20, 202320 min
TRESA Regulations and How They Impact You with Kari Clark
Muskoka realtor with Coldwell Banker, Kari Clark, stops by the pod to explain the new TRESA regulationshow they will affect Ontario homebuyers Kari’s advice for first-time homebuyers looking forward to 2024Connect with Kari on Instagram: @kariclarkhomes Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: https://www.brxmortgage.com/agent/brianna-go...
Dec 13, 202318 min
The Homebuying Series: Insurance chat with Alma and Emerson
Today, in the fourth and final episode of The Homebuying Series, Alma Aquino and Emerson Munsayac from the Pineapple family chat with Brianna about: Why you need insurance: point blank, period.When you should get life insuranceWhat options are available to youWords of wisdom for first-time buyers in 2023 and beyondSpecific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites We...

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Homeowner AF: The Canadian First Time Homebuying Podcast

Episodes

Variable Vs. Adjustable Rate Mortgages in Canada: Which Is Right for You?

Navigating HELOCs: The Wealth Within Your Walls, Part 3

Tapping In With a Refinance: The Wealth Within Your Walls, Part 2

Understanding Your Home Equity: The Wealth Within Your Walls, Part 1

Homebuyer&#39;s Plan vs. FHSA: Which One Is Right for Me?

Lowest vs. Best Mortgage Rate: Why Your Neighbour&#39;s Rate Doesn&#39;t Matter

Buying a Home in Ontario in the Next 6 Months? 4 Things I Would Do To Stay Mortgage Ready

Can First-Time Homebuyers Still Buy a House in Ontario? What the 2026 Data Reveals

Don&#39;t Overcomplicate It! How to Get Started As a First-Time Canadian Homebuyer in 2026

3 Things I Wish I Knew Before Buying My First Home in Ontario

The #1 Thing Killing Deals Right Now Is Good News for First-Time Homebuyers

5 “Stupid Questions” First-Time Homebuyers Might Be Afraid to Ask

Should I Take on a Longer Mortgage for Lower Payments? 25 vs. 30-Year Amortization for First-Time Home Buyers

The Mortgage "Stress Test" Explained: Everything Ontario First-Time Home Buyers Need to Know

Declined by the Bank? Reasons You Could Still Get Approved for a Mortgage in Ontario

Is Now the Right Time to Buy a Home in Ontario? What Canadian Home Buyers in 2026 Need to Consider

What&#39;s Included in My Mortgage Payment? How to Save Thousands as a First Time Home Buyer in Ontario

Fixed vs. Variable: Which Mortgage Rate Is Right for Me?

3 Ways Flexible Homebuyers Are Winning in Today&#39;s Market

How To Plan Your Purchase Price: A Guide to Building Long-Term Financial Wealth as a First-Time Homeowner in Ontario

How Does My Debt Affect My Application? A First-Time Home Buyer&#39;s Guide to Mortgage Qualification in Ontario

What Happens At My First Mortgage Renewal? Why Strategizing Before You Sign Can Help Build Long-Term Wealth

Cosigners and Guarantors: What You Need to Know About Getting Help Qualifying For a Mortgage in 2026

Can I Buy A House Alone? Purchasing As A Single Home Buyer in Ontario

What Happens After an Accepted Offer? Mortgage Conditions, Deposits and Closing Steps for First-Time Home Buyers in Ontario

Let’s Talk About Gifted Downpayments: What First-Time Home Buyers in Ontario Need to Know

What NOT To Do When You&#39;re Pre-Approved

I&#39;m Pre-approved, Now What? Next Steps for First Time Home Buyers

What Are Closing Costs in Canada and Why Are They So Expensive? Full Breakdown for Ontario First Time Home Buyers

What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained

Do You Really Need 20% Down? The Truth About Minimum Down Payment, Insured Mortgages and Buying Sooner

First Time Home Buyer Incentives in Ontario and What Qualifies You in 2026

Unlocking the FHSA with Scott McEachern

Bonus Episode: New Mortgage Regulations for First Time Buyers

Is Credit Utilization Killing Your Mortgage Application?

Timing The Market With Alex Mohr

Boutique Service at No Cost To You: How to Get Your Best Rate This Spring

How Much Cash Do I Need To Close?

Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024?

How To Plan Your Purchase Price

3 Strategies My First Time Homebuyer Clients Used in 2023

Offer Accepted! Now What?

Falling Interest Rates and Multiple Offers: Why you STILL Need a Pre-Approval in the Spring 2024 Market

House Hacking, Homebuying in Sudbury and Ten Dollar Building Lots with Emily Cerilli

Husmates and Co-Ownership with Lesli Gaynor and Parimal Gosai

Accelerating The Transfer of Generational Wealth: Reverse Mortgage for Downpayment

Data, Sentiment and EQUITY, Oh my! A conversation with Nicole Montgomery, Durham Region @raddestrealtor

Seif El-Sahly: Garage Conversions, First Time Buyers, Landlord Struggles and Setting Yourself Up For Success

TRESA Regulations and How They Impact You with Kari Clark

The Homebuying Series: Insurance chat with Alma and Emerson

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Don't Overcomplicate It! How to Get Started As a First-Time Canadian Homebuyer in 2026

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3 Ways Flexible Homebuyers Are Winning in Today's Market

How Does My Debt Affect My Application? A First-Time Home Buyer's Guide to Mortgage Qualification in Ontario

What NOT To Do When You're Pre-Approved

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